NON-QM
PRODUCTS

NextUs Lending was founded on the idea that the lives of today’s borrowers have outgrown the guidelines of institutional lenders. Borrowers now live beyond a traditional income lifestyle and loans of the future need to adapt to this growing landscape.

We are the Next step in that evolution.

At Nextus Lending, our Non-QM programs are designed to qualify borrowers with a holistic view in mind.
We help our borrowers navigate the tricky waters of Alt-lending income qualification and provide the best tools for them to qualify and close their loan.

Document Types VANTAGE APEX
Full Documentation
Full Documentation W-2
Bank Statement
Bank Statement Plus
Profit & Loss Only
Asset Depletion
Debt Service Coverage Ratio
VANTAGE
The Vision

Designed to qualify the widest breadth of candidates, Vantage gives borrowers access to some of the best features NonQM has to offer. Prime candidates include first-time Homebuyers or borrowers looking to finance a remodel.

  MIN FICO MAX Loan MAX LTV
  660 3 M 80%
APEX
The Adept

Designed for borrowers with unique financial circumstances, Apex features adaptive eligibility options and progressive qualifying conditions. Prime candidates include borrowers rebuilding their credit or with complex financial scenarios.

  MIN FICO MAX Loan MAX LTV
  620 4 M 90%